Sofort Deposit (Sofortüberweisung)
Sofort (Direct eBanking) is a bank independent interface to online banking in various European countries, including Germany, Austria and Switzerland.
The following method IDs are covered in this section:
| ID | Name | Credit/Debit State |
|---|---|---|
| 117 | DirectEBankingDeposit | DepositedByProvider (13) |
Payment method interaction type: Redirection to External Payment Provider (see Interaction Types).
After initiating the payment, the customer is being redirected to the website of Sofort. Within the redirection additional information about the payment is being passed. After the payment the user is being returned back to the merchant`s URLs.
The merchant then can call handleProviderNotificationToMerchant to request information about the payment from PXP Financial, or wait for the regular payment state notification.
Sofort (Direct e-Banking) Deposit Returns
Refer to Bank Transfer (and Wallet) Deposit Returns for information on how to correctly handle the notifications for Sofort (Direct e-Banking) Deposit Returns.
Redirect Integration
Supported.
Backend2BackendIntegration
The following parameters can be provided in initiatePaymentRequest.specificPaymentData:
| key (value type, account type, required) | value |
|---|---|
| SuccessPageUrl (string, required) | The URL to redirect user in case of successful payment |
| ErrorPageUrl (string, required) | The URL to redirect user in case of unsuccessful payment |
| PendingPageUrl (string, required) | The URL to redirect user in case of pending payment |
| CancelPageUrl (string, required) | The URL to redirect user in case of cancellation |
| HomePageUrl (string, required) | The URL of the merchant´s website |
| CountryCode2 (string) | The country code of the request |
| LanguageCode (string) | The language of the user on the merchant side, used for localizing the UI displayed to the user |
The payment account type is UserBankAccount and it´s optional for this payment method. If sent, it may be used by the payer, or the payer may choose to select and enter a different account. The actual account number. bank code, IBAN and BIC are returned after calling handleProviderNotificationToMerchant webservice method. It is possible that bankCode and account number will not be returned.
The following parameters can be provided in initiatePaymentRequest.specificPaymentAccountData:
| IBAN | IBAN |
| SWIFT | BIC-Code |
| Account Owner | Bank account owner name. |
| BankCountryCode2 | Country of the bank account |
Example initiatePaymentRequest:
<?xml version="1.0" encoding="utf-8"?>
<initiatePaymentRequest xmlns="http://www.cqrpayments.com/PaymentProcessing" xmlns:xsd="http://www.w3.org/2001/XMLSchema" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance">
<merchantID>KalixaAcceptDemo</merchantID>
<shopID>KalixaAcceptDemo</shopID>
<merchantTransactionID>Order99999</merchantTransactionID>
<paymentMethodID>117</paymentMethodID>
<amount currencyCode="EUR">10</amount>
<userID>d48693ca-e96e-4ca1-9e01-035645a79399</userID>
<userData/>
<userIP>127.0.0.1</userIP>
<userSessionID>eb855c14-3bf3-49d2-87ea-b498bdd68f34</userSessionID>
<creationTypeID>1</creationTypeID>
<specificPaymentData>
<data xsi:type="keyStringValuePair">
<key>SuccessPageUrl</key>
<value>http://success/</value>
</data>
<data xsi:type="keyStringValuePair">
<key>CancelPageUrl</key>
<value>http://cancel/</value>
</data>
<data xsi:type="keyStringValuePair">
<key>LanguageCode</key>
<value>DE</value>
</data>
<data xsi:type="keyStringValuePair">
<key>CountryCode2</key>
<value>AT</value>
</data>
</specificPaymentData>
<paymentAccount>
<specificPaymentAccountData>
<data xsi:type="keyStringValuePair">
<key>IBAN</key>
<value>DE48360100439999999999</value>
</data>
<data xsi:type="keyStringValuePair">
<key>SWIFT</key>
<value>PBNKDEFFXXX</value>
</data>
<data xsi:type="keyStringValuePair">
<key>AccountOwner</key>
<value>Test</value>
</data>
<data xsi:type="keyStringValuePair">
<key>BankCountryCode2</key>
<value>AT</value>
</data>
</specificPaymentAccountData>
</paymentAccount>
</initiatePaymentRequest>
Example initiatePaymentResponse:
<?xml version="1.0" encoding="utf-8"?>
<initiatePaymentResponse xmlns="http://www.cqrpayments.com/PaymentProcessing">
<payment xsi:type="paymentWithPaymentAccount" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance">
<merchantID>KalixaAcceptDemo</merchantID>
<shopID>KalixaAcceptDemo</shopID>
<paymentMethod>
<key>117</key>
<value>DirectEBankingDeposit</value>
</paymentMethod>
<merchantTransactionID>Order99999</merchantTransactionID>
<paymentID>245706f4-876c-4d5b-81be-2771adeec693</paymentID>
<userID>d48693ca-e96e-4ca1-9e01-035645a79399</userID>
<paymentProvider>
<key>83</key>
<value>PaymentNetwork</value>
</paymentProvider>
<amount currencyCode="EUR">10</amount>
<creationType>
<key>1</key>
<value>User</value>
</creationType>
<userIP>127.0.0.1</userIP>
<state>
<id>5ab1caf0-fec2-41c6-9246-247982d51f55</id>
<definition>
<key>30</key>
<value>RedirectURLCreated</value>
</definition>
<createdOn>2011-08-31T15:05:18.1756055Z</createdOn>
<description>http://RedirectionUrl...</description>
<paymentStateDetails>
<detail xsi:type="keyStringValuePair">
<key>RedirectionUrl</key>
<value>http://RedirectionUrl...</value>
</detail>
</paymentStateDetails>
</state>
<isExecuted>false</isExecuted>
<baseAmount currencyCode="EUR">10</baseAmount>
<paymentDetails>
<detail xsi:type="keyStringValuePair">
<key>ProviderExternalID</key>
<value>764637</value>
</detail>
</paymentDetails>
<paymentAccount>
<paymentAccountID>0</paymentAccountID>
</paymentAccount>
</payment>
</initiatePaymentResponse>
Possible payment states in initiatePaymentResponse:
| Payment States | Description |
|---|---|
| RedirectURLCreated (30) | Success state; Redirect user to the Success URL |
| BlockedByPaymentScoring (202) | Error state; Refused by the PXP Financial Risk System |
| RefusedByPaymentScoring (121) | Error state; Refused by the PXP Financial Risk System |
Step2: handleProviderNotificationToMerchant
The following parameters can be provided in handleProviderNotificationToMerchantRequest:
| key (value type, account type, required) | value |
|---|---|
| queryString (String, required) | query string from user redirect to merchant´s website |
Example handleProviderNotificationToMerchantRequest:
<?xml version="1.0" encoding="utf-8"?>
<handleProviderNotificationToMerchantRequest xmlns="http://www.cqrpayments.com/PaymentProcessing" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xsd="http://www.w3.org/2001/XMLSchema">
<merchantID>KalixaAcceptDemo</merchantID>
<providerID>83</providerID>
<queryString>ID=146815176&hash=123233ddfdfhhh445457ff0&user_variable_0=146815176&transaction=26065-76507-4DBEA499-FB70&user_id=26065&project_id=76507&sender_holder=B%2c+Max&sender_account_number=11111111&sender_bank_code=12000&sender_bank_name=Bank-Austria&sender_bank_bic=BAAC&sender_iban=AT111110000012000&sender_country_id=AT&recipient_holder=merchant&recipient_account_number=5555555&recipient_bank_code=500000&recipient_bank_name=Bank+Austria&recipient_bank_bic=BAAAC&recipient_iban=AT55550000012000&recipient_country_id=AT&international_transaction=1&amount=100.00&currency_id=EUR&reason_1=146815176&reason_2=&security_criteria=1&user_variable_1=&user_variable_2=&user_variable_3=&user_variable_4=&user_variable_5=&email_sender=&email_recipient=&created=2011-05-02+14%3a34%3a20</queryString>
</handleProviderNotificationToMerchantRequest>
Example handleProviderNotificationToMerchantResponse:
<?xml version="1.0" encoding="utf-8"?>
<handleProviderNotificationToMerchantResponse xmlns="http://www.cqrpayments.com/PaymentProcessing" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xsd="http://www.w3.org/2001/XMLSchema">
<payment>
<merchantID>KalixaAcceptDemo</merchantID>
<shopID>KalixaAcceptDemo</shopID>
<paymentMethod>
<key>117</key>
<value>DirectEBankingDeposit</value>
</paymentMethod>
<merchantTransactionID>0e23b2f1-1d92-4ddd-8d43-9de4e77e279b</merchantTransactionID>
<paymentID>61143ef1-c9c5-4d8a-9ad5-8ca6b11ce633</paymentID>
<userID>d48693ca-e96e-4ca1-9e01-035645a79399</userID>
<paymentProvider>
<key>83</key>
<value>PaymentNetwork</value>
</paymentProvider>
<amount currencyCode="EUR">100</amount>
<creationType>
<key>1</key>
<value>User</value>
</creationType>
<userIP>127.0.0.1</userIP>
<state>
<id>bd09f9f6-05f4-4377-b426-18c2c69f7d30</id>
<definition>
<key>29</key>
<value>DepositedByProvider</value>
</definition>
<createdOn>2011-05-02T12:24:53.7459397Z</createdOn>
<description>ID=146815176&hash=123233ddfdfhhh445457ff0&user_variable_0=146815176&transaction=26065-76507-4DBEA499-FB70&user_id=26065&project_id=76507&sender_holder=B%2c+Max&sender_account_number=11111111&sender_bank_code=12000&sender_bank_name=Bank-Austria&sender_bank_bic=BAAC&sender_iban=AT111110000012000&sender_country_id=AT&recipient_holder=merchant&recipient_account_number=5555555&recipient_bank_code=500000&recipient_bank_name=Bank+Austria&recipient_bank_bic=BAAAC&recipient_iban=AT55550000012000&recipient_country_id=AT&international_transaction=1&amount=100.00&currency_id=EUR&reason_1=146815176&reason_2=&security_criteria=1&user_variable_1=&user_variable_2=&user_variable_3=&user_variable_4=&user_variable_5=&email_sender=&email_recipient=&created=2011-05-02+14%3a34%3a20</description>
<paymentStateDetails xsi:nil="true" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance"></paymentStateDetails>
</state>
<isExecuted>true</isExecuted>
<baseAmount currencyCode="EUR">100</baseAmount>
<paymentDetails xsi:nil="true" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance"></paymentDetails>
<paymentAccount>
<paymentAccountID>a4855891-16a9-4962-9af4-7e7ed63cbb89</paymentAccountID>
<details>
<detail xsi:type="keyStringValuePair">
<key>bankCode</key>
<value>88888888</value>
</detail>
<detail xsi:type="keyStringValuePair">
<key>accountNumber</key>
<value>0023456789</value>
</detail>
<data xsi:type="keyStringValuePair">
<key>IBAN</key>
<value>DE48360100439999999999</value>
</data>
<data xsi:type="keyStringValuePair">
<key>SWIFT</key>
<value>PBNKDEFFXXX</value>
</data>
</details>
</paymentAccount>
</payment>
</handleProviderNotificationToMerchantResponse>
Possible payment states in handleProviderNotificationToMerchantResponse:
| Payment States | Description |
|---|---|
| DepositedByProvider (29) | Success state; Redirect user to SuccessPage |
| AbortedByCustomer (101) | Error state; Payment aborted by user |
Information
Although successful authorization indicates a very high likelihood of payment, funds are not guaranteed to your business until they are actually received on the destination bank account. This typically happens 2 business days later, but could be delayed.
Notifications
Example handlePaymentStateChangedNotificationRequest:
<?xml version="1.0" encoding="utf-8"?>
<handlePaymentStateChangedNotificationRequest xmlns="http://www.cqrpayments.com/PaymentProcessing" xmlns:xsd="http://www.w3.org/2001/XMLSchema" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance">
<payment xsi:type="paymentWithPaymentAccount">
<merchantID>KalixaAcceptDEMO</merchantID>
<shopID>KalixaAcceptDEMO</shopID>
<paymentMethod>
<key>117</key>
<value>DirectEBankingDeposit</value>
</paymentMethod>
<merchantTransactionID>20141218_2</merchantTransactionID>
<paymentID>aae0478a-9481-4614-bc20-8a295059e68b</paymentID>
<userID>KalxiaTestUser_7</userID>
<paymentProvider>
<key>83</key>
<value>PaymentNetwork</value>
</paymentProvider>
<amount currencyCode="EUR">100.0000</amount>
<creationType>
<key>1</key>
<value>User</value>
</creationType>
<userIP>195.72.132.1</userIP>
<state>
<id>e7b76285-749d-4ba1-aaf0-46e82365e78c</id>
<definition>
<key>29</key>
<value>DepositedByProvider</value>
</definition>
<createdOn>2014-12-18T11:13:11.057</createdOn>
<paymentStateDetails xsi:nil="true" />
</state>
<isExecuted>true</isExecuted>
<baseAmount currencyCode="EUR">100.0000</baseAmount>
<paymentDetails>
<detail xsi:type="keyStringValuePair">
<key>ProviderExternalID</key>
<value>715740</value>
</detail>
<detail xsi:type="keyIntValuePair">
<key>PaymentScoring</key>
<value>715740</value>
</detail>
<detail xsi:type="keyStringValuePair">
<key>ProviderTransactionID</key>
<value>29219-186297-5492B6AF-FA18</value>
</detail>
</paymentDetails>
<paymentAccount>
<paymentAccountID>53177194-9d1d-42fd-a275-30b6deab910c</paymentAccountID>
<details>
<detail xsi:type="keyStringValuePair">
<key>swift</key>
<value>SFRTAT20XXX</value>
</detail>
<detail xsi:type="keyStringValuePair">
<key>accountNumber</key>
<value>23456789</value>
</detail>
<detail xsi:type="keyStringValuePair">
<key>bankCode</key>
<value>00000</value>
</detail>
<detail xsi:type="keyStringValuePair">
<key>IBAN</key>
<value>AT850000000023456789</value>
</detail>
</details>
</paymentAccount>
</payment>
</handlePaymentStateChangedNotificationRequest>
The notification can include the detail IsSenderHolderPresent (if configured for the merchant). This detail indicates if the sender_holder was returned by SOFORT in their notification and is an indication if the sender holder could be retrieved from the user´s online banking.
Note:
For some banks it may be technically not possible to retrieve the account holder name.
It could also be that the bank doesn't allow it in general.
<?xml version="1.0" encoding="utf-16"?>
<handlePaymentStateChangedNotificationRequest xmlns:xsd="http://www.w3.org/2001/XMLSchema" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance">
<payment xmlns:q1="http://www.cqrpayments.com/PaymentProcessing" xsi:type="paymentWithPaymentAccount">
<merchantID>B2BTestMerchant</merchantID>
<shopID>150001</shopID>
<paymentMethod>
<key>117</key>
<value>DirectEBankingDeposit</value>
</paymentMethod>
<merchantTransactionID>5d3d8aef-d575-4c7c-a9b1-6816f382c762</merchantTransactionID>
<paymentID>5836606d-295d-4232-938a-435c7394daca</paymentID>
<userID>CQRB2BTestMerchantSystemUser</userID>
<paymentProvider>
<key>83</key>
<value>PaymentNetwork</value>
</paymentProvider>
<amount currencyCode="EUR">32.0000</amount>
<creationType>
<key>1</key>
<value>User</value>
</creationType>
<userIP>127.0.0.1</userIP>
<state>
<id>6955a63c-5f06-4e0b-8a12-edaf65661725</id>
<definition>
<key>29</key>
<value>DepositedByProvider</value>
</definition>
<createdOn>2020-08-28T15:08:27.657</createdOn>
<description>ID=1770333&amp;hash=784bccc50f8ad27083176a80917579664931a9f06545c550ef6cbe52e029ec0c19d7ff9ff7c48310d14c40431a29052022380f568728ed96a83cbea4f72ffc60&amp;user_variable_0=2678061&amp;transaction=43787-110636-5F48AC39-DD9B&amp;user_id=43787&amp;project_id=110636&amp;sender_holder=Roy+Bert&amp;sender_account_number=23456789&amp;sender_bank_code=88888888&amp;sender_bank_name=Austria+Bank&amp;sender_bank_bic=SFRTDE20XXX&amp;sender_iban=DE06000000000023456789&amp;sender_country_id=DE&amp;recipient_holder=PXP+Financial+Limited&amp;recipient_account_number=28961980429&amp;recipient_bank_code=20100&amp;recipient_bank_name=Sparkasse+%2f+Erste+Bank&amp;recipient_bank_bic=GIBAATWGXXX&amp;recipient_iban=AT672010028961980429&amp;recipient_country_id=AT&amp;international_transaction=1&amp;amount=32.00&amp;currency_id=EUR&amp;reason_1=2678061&amp;reason_2=CQR+Payment+Partner&amp;security_criteria=1&amp;user_variable_1=&amp;user_variable_2=&amp;user_variable_3=&amp;user_variable_4=&amp;user_variable_5=&amp;email_recipient=&amp;created=2020-08-28+09%3a03%3a36</description>
<paymentStateDetails xsi:nil="true" />
</state>
<isExecuted>true</isExecuted>
<baseAmount currencyCode="EUR">32.0000</baseAmount>
<paymentDetails>
<detail xsi:type="keyStringValuePair">
<key>ProviderExternalID</key>
<value>111112986</value>
</detail>
<detail xsi:type="keyBooleanValuePair">
<key>IsSenderHolderPresent</key>
<value>true</value>
</detail>
<detail xsi:type="keyStringValuePair">
<key>ProviderTransactionID</key>
<value>43787-110636-5F48AC39-DD9B</value>
</detail>
</paymentDetails>
<paymentAccount>
<paymentAccountID>e2f4e164-8666-404a-8cad-3bcd9e5b51fd</paymentAccountID>
<details>
<detail xsi:type="keyStringValuePair">
<key>swift</key>
<value>SFRTDE20XXX</value>
</detail>
<detail xsi:type="keyStringValuePair">
<key>accountNumber</key>
<value>23456789</value>
</detail>
<detail xsi:type="keyStringValuePair">
<key>bankCode</key>
<value>88888888</value>
</detail>
<detail xsi:type="keyStringValuePair">
<key>IBAN</key>
<value>DE06000000000023456789</value>
</detail>
<detail xsi:type="keyStringValuePair">
<key>accountOwner</key>
<value>Roy Bert</value>
</detail>
</details>
</paymentAccount>
</payment>
</handlePaymentStateChangedNotificationRequest>
After DepositedByProvider the payment method can go to these states:
| Payment State | Description |
|---|---|
| Cancelled | This state is reached when a payment has not be settled after a pre-defined time. This state is used to monitor stop payments. |
| CancelReversed | A payment in state Cancelled" is moved to state CancelReversed** when the payment has been settled |
Settlement via ISX
If a merchant is using ISX as it´s bank, we can support sending a notification once the funds hit the account.
In this case a new state DepositConfirmedByBank will be created and notified, which is set sometime after the payment is reaching DepositedByProvider. This notification also includes a property called BankReferenceID that can reference back to the ISX bank statement
| Payment State | Description |
|---|---|
| DepositConfirmedByBank | This state is reached when the customer funds have been credited to your bank account at ISX and the amount matches the amount of the payment |
| AmountMismatch | This state is reached when the customer funds have been credited to your bank account at ISX and the amount does not match the amount of the payment. This should not really happen and would need to be something that requires investigation. |
State notification for DepositConfirmedByBank
<?xml version="1.0" encoding="utf-16"?>
<handlePaymentStateChangedNotificationRequest xmlns:xsd=http://www.w3.org/2001/XMLSchema xmlns:xsi=http://www.w3.org/2001/XMLSchema-instance>
<payment xmlns:q1=http://www.cqrpayments.com/PaymentProcessing xsi:type="paymentWithPaymentAccount">
<merchantID>B2BTestMerchant</merchantID>
<shopID>150001</shopID>
<paymentMethod>
<key>117</key>
<value>DirectEBankingDeposit</value>
</paymentMethod>
<merchantTransactionID>db84f17a-78df-46dc-9327-55e3de40ead5</merchantTransactionID>
<paymentID>4ec65f9d-7095-4524-8a24-aff2bc90716c</paymentID>
<userID>CQRB2BTestMerchantSystemUser</userID>
<paymentProvider>
<key>83</key>
<value>PaymentNetwork</value>
</paymentProvider>
<amount currencyCode="EUR">26.0000</amount>
<creationType>
<key>1</key>
<value>User</value>
</creationType>
<userIP>127.0.0.1</userIP>
<state>
<id>aa7b67a7-8764-4999-a211-f7d1ad6197c0</id>
<definition>
<key>634</key>
<value>DepositConfirmedByBank</value>
</definition>
<createdOn>2023-08-16T09:44:53.55</createdOn>
<paymentStateDetails>
<detail xsi:type="keyStringValuePair">
<key>ExternalDate</key>
<value>07/25/2023 14:52:01</value>
</detail>
</paymentStateDetails>
</state>
<isExecuted>true</isExecuted>
<baseAmount currencyCode="EUR">26.0000</baseAmount>
<paymentDetails>
<detail xsi:type="keyStringValuePair">
<key>ProviderExternalID</key>
<value>48201927</value>
</detail>
<detail xsi:type="keyIntValuePair">
<key>MerchantSettlementCurrencyID</key>
<value>2</value>
</detail>
<detail xsi:type="keyStringValuePair">
<key>ProviderTransactionID</key>
<value>91053732</value>
</detail>
<detail xsi:type="keyStringValuePair">
<key>BankReferenceID</key>
<value>CT00110315931</value>
</detail>
</paymentDetails>
<paymentAccount>
<paymentAccountID>adef2fa9-57b9-41b3-9a8e-562c2482de6b</paymentAccountID>
<details>
<detail xsi:type="keyStringValuePair">
<key>swift</key>
<value>NOLADE21WHO</value>
</detail>
<detail xsi:type="keyStringValuePair">
<key>accountNumber</key>
<value>532013000</value>
</detail>
<detail xsi:type="keyStringValuePair">
<key>bankCode</key>
<value>22250020</value>
</detail>
<detail xsi:type="keyStringValuePair">
<key>IBAN</key>
<value>DE31222500200532013000</value>
</detail>
<detail xsi:type="keyStringValuePair">
<key>accountOwner</key>
<value>Test</value>
</detail>
</details>
</paymentAccount>
</payment>
</handlePaymentStateChangedNotificationRequest>
State notification for AmountMismatch
<?xml version="1.0" encoding="utf-16"?>
<handlePaymentStateChangedNotificationRequest xmlns:xsd=http://www.w3.org/2001/XMLSchema xmlns:xsi=http://www.w3.org/2001/XMLSchema-instance>
<payment xmlns:q1=http://www.cqrpayments.com/PaymentProcessing xsi:type="paymentWithPaymentAccount">
<merchantID>B2BTestMerchant</merchantID>
<shopID>150001</shopID>
<paymentMethod>
<key>117</key>
<value>DirectEBankingDeposit</value>
</paymentMethod>
<merchantTransactionID>b96b4344-a16f-4b5d-b4da-93846eed6e38</merchantTransactionID>
<paymentID>1642bd76-87ba-4a2b-8ed4-be0c5478bec6</paymentID>
<userID>CQRB2BTestMerchantSystemUser</userID>
<paymentProvider>
<key>83</key>
<value>PaymentNetwork</value>
</paymentProvider>
<amount currencyCode="EUR">27.0000</amount>
<creationType>
<key>1</key>
<value>User</value>
</creationType>
<userIP>127.0.0.1</userIP>
<state>
<id>f2adc0bf-917c-458d-9dba-706fb25321c5</id>
<definition>
<key>609</key>
<value>AmountMismatch</value>
</definition>
<createdOn>2023-08-16T09:29:03.443</createdOn>
<paymentStateDetails>
<detail xsi:type="keyStringValuePair">
<key>ExternalDate</key>
<value>07/25/2023 14:52:01</value>
</detail>
</paymentStateDetails>
</state>
<isExecuted>true</isExecuted>
<baseAmount currencyCode="EUR">27.0000</baseAmount>
<paymentDetails>
<detail xsi:type="keyStringValuePair">
<key>ProviderExternalID</key>
<value>48201940</value>
</detail>
<detail xsi:type="keyStringValuePair">
<key>ProviderTransactionID</key>
<value>91053732</value>
</detail>
<detail xsi:type="keyStringValuePair">
<key>BankReferenceID</key>
<value>CT00110315931</value>
</detail>
</paymentDetails>
<paymentAccount>
<paymentAccountID>042195af-4dc1-4223-8020-23b7178a2f00</paymentAccountID>
<details>
<detail xsi:type="keyStringValuePair">
<key>accountNumber</key>
<value>532013000</value>
</detail>
<detail xsi:type="keyStringValuePair">
<key>bankCode</key>
<value>22250020</value>
</detail>
<detail xsi:type="keyStringValuePair">
<key>accountOwner</key>
<value>Test</value>
</detail>
</details>
</paymentAccount>
</payment>
</handlePaymentStateChangedNotificationRequest>
Updated 8 months ago